Call reports 2014
NEW BUFFALO SAVINGS BANK — 2014
What NEW BUFFALO SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 89,469,000 | 88,881,000 | 86,915,000 | 90,656,000 |
| Total loans | 58,339,000 | 60,207,000 | 64,433,000 | 74,182,000 |
| Allowance for loan losses | 1,373,000 | 1,148,000 | 1,047,000 | 1,147,000 |
| Securities available for sale | 707,000 | 693,000 | 674,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,172,000 | 70,870,000 | 72,662,000 | 68,140,000 |
| Interest-bearing deposits | 66,005,000 | 66,861,000 | 69,012,000 | 64,700,000 |
| Noninterest-bearing deposits | 5,167,000 | 4,009,000 | 3,650,000 | 3,441,000 |
| Equity capital | 12,202,000 | 12,055,000 | 11,698,000 | 10,009,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 700,000 | 1,401,000 | 2,128,000 | 2,888,000 |
| Interest expense | 153,000 | 301,000 | 458,000 | 598,000 |
| Net interest income | 547,000 | 1,100,000 | 1,670,000 | 2,290,000 |
| Noninterest income | 187,000 | 301,000 | 340,000 | 414,000 |
| Noninterest expense | 946,000 | 1,954,000 | 2,909,000 | 5,224,000 |
| Provision for loan losses | 0 | -200,000 | -200,000 | -100,000 |
| Pretax income | -212,000 | -353,000 | -699,000 | -2,435,000 |
| Income tax | 9,000 | 19,000 | 28,000 | 0 |
| Net income | -221,000 | -372,000 | -727,000 | -2,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,192,000 | 12,043,000 | 11,689,000 | 9,982,000 |
| Total capital | 12,948,000 | 12,789,000 | 12,429,000 | 10,817,000 |
| Risk-weighted assets | 59,861,000 | 60,226,000 | 59,812,000 | 66,454,000 |